Fisherman boat with Mount Fuji in the background in Morning Mist Autumn - Travel Insurance

All-Inclusive Travel Insurance Canada

Last updated: 21st June 2023

What is all-inclusive coverage?

An all-inclusive coverage bundle not only provides additional coverage on top of emergency medical expenses but also includes benefits such as baggage loss/delay and trip cancellation/interruption coverage. This type of coverage may cost a bit more than the basic emergency medical coverage, but the protection and peace of mind it can provide can be invaluable, especially for those who travel frequently.

Think about it - not only can you be reimbursed for unexpected medical costs, but you can also be protected from the inconvenience and financial burden of lost luggage or a cancelled trip that you've already invested in. With all-inclusive insurance, you can travel with confidence, knowing that you have comprehensive protection against unforeseen events that could disrupt your plans and ruin your trip.

Don't let unexpected mishaps ruin your travel experience - consider an all-inclusive coverage bundle to ensure that you are fully protected and can travel with peace of mind.

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Baggage loss/delay

Baggage Loss protection can provide you with reimbursement up to a specified amount if your luggage is lost or stolen while on your trip. This coverage is important because it can help you recover your financial loss and minimize the impact of the inconvenience on your trip. For example, if you are travelling with expensive equipment or important documents, losing your luggage can be a significant setback. With Baggage Loss protection, you can have peace of mind knowing that you are covered.

Baggage delay protection can provide you with daily reimbursement to help you purchase essential items should your luggage be delayed after you’ve left home, such as in situations where your bag might have missed the flight and be delivered a few days later. This can be especially helpful if you are travelling to a remote location or if you have important meetings scheduled upon arrival. With Baggage delay protection, you can have the resources to make the necessary purchases to get through the delay.

Remember, it’s best to keep your essential medication and change of clothing in your carry-on. This can help you avoid the worst-case scenario of losing your checked luggage and being stranded without the essentials.

You can find out more by reading our full guide.

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Trip cancellation/Trip interruption

What happens when you’ve planned the perfect trip, purchased your flights, and pre-paid for your hotel only to be faced with the horrid reality of having to cancel it? It can be a stressful and disappointing experience, especially if you've been looking forward to it for a long time.

However, with trip cancellation coverage, you can have peace of mind knowing that you are protected in the unfortunate event that you have to cancel your travel and holiday plans due to medical or non-medical reasons.

Consider situations such as your partner or a close family member falling ill BEFORE you travel or the event of the travel supplier being the cancel to your plans. Trip interruption coverage can also be useful in such scenarios. It can help with reimbursement in the event of something happening AFTER you’ve left on your trip but you suddenly have to return home. In most situations, you would now be having to pay out of pocket to essentially book a new trip home, which can be a significant financial burden.

When searching for all-inclusive coverage and comparing vacation insurance, it's important to declare the average estimates per insured person for non-refundable, pre-paid expenses already committed towards the trip including such things as transportation, accommodation, package tours, etc. This will allow you to fully see the value of protecting your entire trip and ensure that you are adequately covered.

When you’re planning your trip, it's always a good idea to pack the right protection and consider all the potential risks and scenarios that could arise. With the right coverage, you can travel with peace of mind and fully enjoy your trip without worrying about unexpected setbacks.

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A deductible is the amount that must be paid by you before the insurer begins to pay. For example, if your plan has a $500 deductible, and you have an accident that incurs medical costs of $2,000, you will have to pay the first $500 and your insurer would cover the additional $1,500 (or up to your coverage limits).

Deductibles can vary by coverage section and by insurer.

An all-inclusive coverage bundle provides additional coverage on top of emergency medical expenses with benefits such as baggage loss/delay and trip cancellation/interruption.

Healthcare in other countries can be very expensive, especially in the United States. A simple emergency room visit can cost someone a few thousand dollars without health insurance. More severe reasons for conditions could cost hundreds of thousands. 

There are many costs that might not be covered by your provincial plan or there may be different limits - so if you are planning to travel outside of your home province it is worth considering travel insurance.

Yes. Whether you have driven or flown, you should have travel insurance when visiting the United States.

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Warren Brown
Author: Warren Brown, Relationship Manager

Warren holds over 19 years of experience in the travel insurance industry. He enjoys telling the stories of people and places which is fed by his love of travel. Warren is an active member of the Travel Health Insurance Association of Canada (THIA) to better educate the Canadian traveller on the benefits of travelling protected.


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